We've all heard about the economic downturn and the resulting Long Island foreclosure epidemic. Chances are you or someone you know is experiencing the trauma of foreclosure and the real threat of losing the family home.

The New York foreclosure process is a complex and daunting legal matter that should never be ignored by a Long Island homeowner in foreclosure. Just to get a quick idea of how complex the New York foreclosure process is, click onto the above "blog" tab to read about a few of the many complexities in New York foreclosure litigation. Why then would any Long Island homeowner not seek out the guidance of an experienced New York foreclosure lawyer? Banks do make errors, both big and small, and sometimes act unscrupulously. It takes an experienced and hardworking New York foreclosure attorney to find and disclose these errors and abuses. It is our practice to thoroughly review the New York foreclosure complaint, the mortgage documents and the assignments of the note and mortgage to determine if the bank's foreclosure action is in compliance with New York State and federal laws. We also carefully review your situation to see if you also have additional equitable and legal defenses and/or counterclaims that can be asserted against the foreclosing bank. The axiom, "a strong offense is the best defense" is most true in the Long Island foreclosure arena.

Regrettably, many Long Island homeowners who are in foreclosure are mistaken in thinking that if they can't pay their monthly mortgage payments or if they apply for a mortgage modification then they need not defend against the New York foreclosure lawsuit. This couldn't be any further from the truth. Even if the homeowner can't pay the required mortgage payments, the homeowner may have legal and or equitable defenses that can prevent the bank from continuing with the foreclosure. Ignoring the New York foreclosure action is the worse thing any Long Island homeowner can do! Moreover, even if a homeowner in foreclosure submits a mortgage modification application to the foreclosing lender, the homeowner will also be in default if the homeowner fails to properly answer the New York foreclosure summons and complaint. This default can have disastrous consequences! The home can be lost at a Long Island foreclosure auction and on top of that the foreclosing bank could even obtain a huge deficiency judgment against the homeowner. Don't let this happen to you! If you have been served with a New York foreclosure summons and complaint, you only have a matter of days to respond! Call us today, even if you are in default, so that we can help protect you and your Long Island home from the adverse effects of a New York foreclosure action. We can handle your mortgage modification and at the same time properly defend you in the New York foreclosure action.

Arnold M. Bottalico is a New York lawyer who has over twenty-six years of extensive New York foreclosure experience. Attorney Bottalico previously handled lender side foreclosures in Nassau and Suffolk counties as well as in the five boroughs. He is fully acquainted with proper New York foreclosure procedures. Attorney Bottalico now devotes much of his law practice to handling New York foreclosure defense on behalf of homeowners throughout Long Island. Moreover, we can also help you decide if a "deed in lieu" or a "short sale" makes good sense for you based on your personal situation. Your Long Island home is the most important asset you have--doesn't it deserve to be fully protected by an experienced New York foreclosure defense lawyer?

Before you make any decision about your Long Island, NY foreclosure case, first get the facts from an experienced Nassau County foreclosure lawyer so that you know all your options. Contact us for a free phone consultation to discuss your Long Island, NY foreclosure case. Our motto is affordability without compromise, and we pride ourselves on 100% client satisfaction. Call 516-543-1329